need to be aware of the "Joker Brokers", that Submit Client's Projects to "other Brokers",because they do not have any Lenders that FUND! They SHOP your Project ALL OVER THE INTERNET TO the Hard Money - 65%, 14% INT "LENDERS", (you need 35% CASH @ Closing ..(and then you receive 2,3 or 4 Fee Agreements and They want to collect "Upfront Fees", & they ALL want 4 points) !! WOW**